Clark Howard Message Boards

<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd"> <html xmlns="http://www.w3.org/1999/xhtml" xmlns:fb="http://www.facebook.com/2008/fbml" dir="ltr" lang="en" id="vbulletin_html"> <head><script type="text/javascript" src="https://web-static.archive.org/_static/js/bundle-playback.js?v=7YQSqjSh" charset="utf-8"></script> <script type="text/javascript" src="https://web-static.archive.org/_static/js/wombat.js?v=txqj7nKC" charset="utf-8"></script> <script>window.RufflePlayer=window.RufflePlayer||{};window.RufflePlayer.config={"autoplay":"on","unmuteOverlay":"hidden"};</script> <script type="text/javascript" src="https://web-static.archive.org/_static/js/ruffle/ruffle.js"></script> <script type="text/javascript"> __wm.init("https://web.archive.org/web"); __wm.wombat("http://mb.clarkhoward.com","20130529100847","https://web.archive.org/","web","https://web-static.archive.org/_static/", "1369822127"); </script> <link rel="stylesheet" type="text/css" href="https://web-static.archive.org/_static/css/banner-styles.css?v=p7PEIJWi" /> <link rel="stylesheet" type="text/css" href="https://web-static.archive.org/_static/css/iconochive.css?v=3PDvdIFv" />  <meta http-equiv="Content-Type" content="text/html; 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margin: auto 0;">Listen to Clark Mon-Fri 1-3pm ET <br><a href="https://web.archive.org/web/20130529100847/http://www.clarkhoward.com/listen/stations_times/">Find a station near you</a> <br> <a href="https://web.archive.org/web/20130529100847/http://www.clarkhoward.com/s/podcast/clarkshow/">Podcasts</a> | <a href="https://web.archive.org/web/20130529100847/http://www.clarkhoward.com/s/show-notes/">Recent Show Notes</a> </p> <p class="onAir"><a href="https://web.archive.org/web/20130529100847/http://streaming.clarkhoward.com/_players/coxradio/index.php?callsign=CLARK" target="_blank">Listen Live: Mon-Fri 1-3pm ET</a></p> </div> <div class="backCH"> <a href="https://web.archive.org/web/20130529100847/http://www.clarkhoward.com/">Back to ClarkHoward.com</a> </div> <div class="text_header">Clark Howard's Message Boards</div> <div class="bottombar"></div> <div class="bottombar"></div> </div> <div class="ad_global_header"> </div> <hr/> </div> <div id="cmtoptemplate" style="background-color:#ffffff; 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YAHOO.util.Dom.setStyle('navbar_password', "display", "none"); vB_XHTML_Ready.subscribe(function() { // YAHOO.util.Event.on('navbar_username', "focus", navbar_username_focus); YAHOO.util.Event.on('navbar_username', "blur", navbar_username_blur); YAHOO.util.Event.on('navbar_password_hint', "focus", navbar_password_hint); YAHOO.util.Event.on('navbar_password', "blur", navbar_password); }); function navbar_username_focus(e) { // var textbox = YAHOO.util.Event.getTarget(e); if (textbox.value == 'User Name') { // textbox.value=''; textbox.style.color='#000000'; } } function navbar_username_blur(e) { // var textbox = YAHOO.util.Event.getTarget(e); if (textbox.value == '') { // textbox.value='User Name'; textbox.style.color='#777777'; } } function navbar_password_hint(e) { // var textbox = YAHOO.util.Event.getTarget(e); YAHOO.util.Dom.setStyle('navbar_password_hint', "display", "none"); YAHOO.util.Dom.setStyle('navbar_password', "display", "inline"); YAHOO.util.Dom.get('navbar_password').focus(); } function navbar_password(e) { // var textbox = YAHOO.util.Event.getTarget(e); if (textbox.value == '') { YAHOO.util.Dom.setStyle('navbar_password_hint', "display", "inline"); YAHOO.util.Dom.setStyle('navbar_password', "display", "none"); } } </script> </li> <li id="fb_headerbox" class="hidden"> <a id="fb_loginbtn" href="#"><img src="/web/20130529100847im_/http://mb.clarkhoward.com/images/misc/facebook_login.gif" alt="The Facebook Platform"/></a> </li> </ul> </div> <div id="navbar" class="navbar" style="margin-top:0;"> <ul id="navtabs" class="navtabs floatcontainer"> <li class="selected"><a class="navtab" href="forum.php?s=875de0fde5278a4e061eff8a4f67d17a">Forum Home</a> <ul class="floatcontainer"> <li><a href="search.php?s=875de0fde5278a4e061eff8a4f67d17a&do=getdaily&contenttype=vBForum_Post">Today's Posts</a></li>  <li><a rel="help" href="faq.php?s=875de0fde5278a4e061eff8a4f67d17a" accesskey="5">FAQ/Help</a></li>  <li class="popupmenu"> <a href="javascript://" class="popupctrl">Forum Actions</a> <ul class="popupbody popuphover"> <li> <a href="forumdisplay.php?s=875de0fde5278a4e061eff8a4f67d17a&do=markread&markreadhash=guest">Mark Forums Read</a> </li> </ul> </li> <li class="popupmenu"> <a href="javascript://" class="popupctrl" accesskey="3">Quick Links</a> <ul class="popupbody popuphover"> --> </ul> </li> <li><a href="https://web.archive.org/web/20130529100847/http://clarkhoward.com/">Clarkhoward.com</a></li> </ul> </li> <li><a class="navtab" href="search.php?s=875de0fde5278a4e061eff8a4f67d17a&do=getdaily&contenttype=vBForum_Post" accesskey="2">What's New?</a></li> </ul> <div id="globalsearch" class="globalsearch"> <form action="search.php?s=875de0fde5278a4e061eff8a4f67d17a&do=process" method="post" id="navbar_search" class="navbar_search"> <input type="hidden" name="securitytoken" value="guest"/> <input type="hidden" name="do" value="process"/> <span class="textboxcontainer"><span><input type="text" value="" name="query" class="textbox" tabindex="99"/></span></span> <span class="buttoncontainer"><span><input type="image" class="searchbutton" src="/web/20130529100847im_/http://mb.clarkhoward.com/images/buttons/search.png" name="submit" onclick="document.getElementById('navbar_search').submit;" tabindex="100"/></span></span> </form> <ul class="navbar_advanced_search"> <li><a href="search.php?s=875de0fde5278a4e061eff8a4f67d17a" accesskey="4">Advanced Search</a></li> </ul> </div> </div> </div> </div> <div id="cmbottomtemplate" style="background-color:#ffffff; margin-top:-10px; border-left:solid 1px #A98A38; border-right:solid 1px #A98A38; height:100%;"> <div class="body_wrapper"> <div id="breadcrumb" class="breadcrumb"> <ul class="floatcontainer"> <li class="navbithome"><a href="index.php?s=875de0fde5278a4e061eff8a4f67d17a" accesskey="1"><img src="/web/20130529100847im_/http://mb.clarkhoward.com/images/misc/navbit-home.png" alt="Home"/></a></li>  </ul> <hr/> </div> <form action="profile.php?do=dismissnotice" method="post" id="notices" class="notices"> <input type="hidden" name="do" value="dismissnotice"/> <input type="hidden" name="s" value="s=875de0fde5278a4e061eff8a4f67d17a&"/> <input type="hidden" name="securitytoken" value="guest"/> <input type="hidden" id="dismiss_notice_hidden" name="dismiss_noticeid" value=""/> <input type="hidden" name="url" value=""/> <ol> <li class="restore" id="navbar_notice_1"> <span style="font-size:11px">Welcome to the Clark Howard Message Boards! <br> <b>New users:</b> You can read forums now, but to post you'll need to <b><a style="text-decoration:underline" href="https://web.archive.org/web/20130529100847/http://mb.clarkhoward.com/register.php?s=875de0fde5278a4e061eff8a4f67d17a" target="_blank">REGISTER.</a></b> (It's quick and easy.) <br> <b>Existing users:</b> Please login in the blue bar above. If you've forgotten your User Name or Password, <b><a style="text-decoration:underline" href="https://web.archive.org/web/20130529100847/http://mb.clarkhoward.com/login.php?do=lostpw">RESET YOUR PASSWORD</a></b> here. <br><br> Trouble logging in? <a href="https://web.archive.org/web/20130529100847/http://mb.clarkhoward.com/sendmessage.php">Contact us!</a> | Learn about forum: <a href="https://web.archive.org/web/20130529100847/http://mb.clarkhoward.com/faq.php">FAQ/Help</a> | Access <a href="https://web.archive.org/web/20130529100847/http://oldforums.clarkhoward.com/">old forums</a> | Please abide by our <a href="https://web.archive.org/web/20130529100847/http://www.clarkhoward.com/inside/disclaimer/" target="new"">Terms of Service</a></span> </li> </ol> </form> <div id="pagetitle"> <h1>Clark Howard Message Boards</h1> <p id="welcomemessage" class="description"> </p> </div>  <ol id="forums" class="floatcontainer"> <li class="forumbit_nopost old L1" id="cat3"> <div class="forumhead foruminfo L1 collapse"> <h2> <span class="forumtitle"><a href="forumdisplay.php?3-Tell-it-to-Team-Clark!&s=875de0fde5278a4e061eff8a4f67d17a">Tell it to Team Clark!</a></span> <span class="forumthreadpost">Threads / Posts </span> <span class="forumlastpost">Last Post</span> <a class="collapse" id="collapse_c_cat3" href="#top"><img src="/web/20130529100847im_/http://mb.clarkhoward.com/images/buttons/collapse_40b.png" alt=""/></a> </h2> </div> <ol id="c_cat3" class="childforum"> <li id="forum7" class="forumbit_post old L2"> <div class="forumrow table"> <div class="foruminfo td"> <img src="/web/20130529100847im_/http://mb.clarkhoward.com/images/statusicon/forum_old-48.png" class="forumicon" id="forum_statusicon_7" alt=""/> <div class="forumdata"> <div class="datacontainer"> <div class="titleline"> <h2 class="forumtitle"><a href="forumdisplay.php?7-Clark-Stinks!&s=875de0fde5278a4e061eff8a4f67d17a">Clark Stinks!</a></h2> </div> <p class="forumdescription">Most of our callers love Clark's advice. But if you think Clark missed the mark, or was just plain wrong about something, post it here. He wants to know. And he just may respond to your post on the air.</p> </div> </div> </div> <h4 class="nocss_label">Forum Actions:</h4> <div class="forumactionlinks"></div> <h4 class="nocss_label">Forum Statistics:</h4> <ul class="forumstats td"> <li>Threads: 701</li> <li>Posts: 3,260</li> </ul> <div class="forumlastpost td"> <h4 class="lastpostlabel">Last Post:</h4> <div> <p class="lastposttitle">  <a href="showthread.php?24706-Diet-Soda-Habit&s=875de0fde5278a4e061eff8a4f67d17a&goto=newpost" class="threadtitle" title="Go to first unread post in thread 'Diet Soda Habit'">Diet Soda Habit</a> <a href="showthread.php?24706-Diet-Soda-Habit&s=875de0fde5278a4e061eff8a4f67d17a&p=102504#post102504"><img src="/web/20130529100847im_/http://mb.clarkhoward.com/images/buttons/lastpost-right.png" alt="Go to last post"/></a> </p> <div class="lastpostby"> by <div class="popupmenu memberaction"> <a class="username online popupctrl" href="member.php?219-fuzzbutt&s=875de0fde5278a4e061eff8a4f67d17a" title="fuzzbutt is online now"><strong>fuzzbutt</strong></a> <ul class="popupbody popuphover memberaction_body"> <li class="left"> <a href="member.php?219-fuzzbutt&s=875de0fde5278a4e061eff8a4f67d17a" class="siteicon_profile"> View Profile </a> </li> <li class="right"> <a href="search.php?s=875de0fde5278a4e061eff8a4f67d17a&do=finduser&userid=219&contenttype=vBForum_Post&showposts=1" class="siteicon_forum" rel="nofollow"> View Forum Posts </a> </li> </ul> </div> </div> <p class="lastpostdate">Today, <span class="time">02:29 AM</span></p> </div> </div> </div> </li><li id="forum6" class="forumbit_post old L2"> <div class="forumrow table"> <div class="foruminfo td"> <img src="/web/20130529100847im_/http://mb.clarkhoward.com/images/statusicon/forum_old-48.png" class="forumicon" id="forum_statusicon_6" alt=""/> <div class="forumdata"> <div class="datacontainer"> <div class="titleline"> <h2 class="forumtitle"><a href="forumdisplay.php?6-Ask-Clark-Leave-a-brief-consumer-question-for-Clark&s=875de0fde5278a4e061eff8a4f67d17a">Ask Clark: Leave a brief consumer question for Clark</a></h2> </div> <p class="forumdescription">Post your FIRST NAME and a brief question for Clark here here. He might answer on-air! (Note: You should also post your question in our <b><a href="https://web.archive.org/web/20130529100847/http://mb.clarkhoward.com/forumdisplay.php?1-Discussion-Forums">Discussion Forums</a></b> below so that others can help you too, as commentary is disabled in this section. This is a holding tank for Clark only.)</p> </div> </div> </div> <h4 class="nocss_label">Forum Actions:</h4> <div class="forumactionlinks"></div> <h4 class="nocss_label">Forum Statistics:</h4> <ul class="forumstats td"> <li>Threads: 3,607</li> <li>Posts: 3,724</li> </ul> <div class="forumlastpost td"> <h4 class="lastpostlabel">Last Post:</h4> <div> <p class="lastposttitle">  <a href="showthread.php?24504-529-Plan-quot-college-counts-in-Alabama-quot&s=875de0fde5278a4e061eff8a4f67d17a&goto=newpost" class="threadtitle" title="Go to first unread post in thread '529 Plan "college counts in Alabama"'">529 Plan "college counts in...</a> <a href="showthread.php?24504-529-Plan-quot-college-counts-in-Alabama-quot&s=875de0fde5278a4e061eff8a4f67d17a&p=102458#post102458"><img src="/web/20130529100847im_/http://mb.clarkhoward.com/images/buttons/lastpost-right.png" alt="Go to last post"/></a> </p> <div class="lastpostby"> by <div class="popupmenu memberaction"> <a class="username offline popupctrl" href="member.php?361894-planahead&s=875de0fde5278a4e061eff8a4f67d17a" title="planahead is offline"><strong>planahead</strong></a> <ul class="popupbody popuphover memberaction_body"> <li class="left"> <a href="member.php?361894-planahead&s=875de0fde5278a4e061eff8a4f67d17a" class="siteicon_profile"> View Profile </a> </li> <li class="right"> <a href="search.php?s=875de0fde5278a4e061eff8a4f67d17a&do=finduser&userid=361894&contenttype=vBForum_Post&showposts=1" class="siteicon_forum" rel="nofollow"> View Forum Posts </a> </li> </ul> </div> </div> <p class="lastpostdate">Yesterday, <span class="time">07:42 PM</span></p> </div> </div> </div> </li><li id="forum8" class="forumbit_post old L2"> <div class="forumrow table"> <div class="foruminfo td"> <img src="/web/20130529100847im_/http://mb.clarkhoward.com/images/statusicon/forum_old-48.png" class="forumicon" id="forum_statusicon_8" alt=""/> <div class="forumdata"> <div class="datacontainer"> <div class="titleline"> <h2 class="forumtitle"><a href="forumdisplay.php?8-Web-Site-Issues&s=875de0fde5278a4e061eff8a4f67d17a">Web Site Issues</a></h2> </div> <p class="forumdescription">The Clark Howard team wants to know how we can improve the website to better serve your needs. Do you have compliments, complaints or suggestions? 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